What's the Average Cost of Car Insurance in Boston?


Boston premiums are 25% greater than Massachusetts' average, which is why the city is recognized for its expensive premiums. Let's compare car insurance costs in Boston versus premiums across the nation.


AUTO INSURANCE PREMIUMS: BOSTON VS. US/STATE AVERAGES
City Average State Average National Average
$1,497 $1,201 $1,427


Boston Auto Insurance Rates by Age

Teenage drivers have the highest rates of any age group, with average car insurance payments of $5,028. At $1,186, drivers in their 70s have the lowest insurance premiums among any age group. People in their 60s ($1,225) have premiums that aren't much higher. Boston drivers see the most significant dip in premiums when they hit their 20s, as they pay an average of $3,086 less after moving out of the teenage age range. The downward movement continues, as the older drivers get, the more their insurance rates in Boston will decrease.


BOSTON CAR INSURANCE PREMIUMS BY AGE
Age Average Rate
Teenagers $5,028
20s $1,942
30s $1,443
40s $1,391
50s $1,340
60s $1,225
70s $1,186


Boston Car Insurance for High-Risk Drivers


Do you realize how much an accident or violation on your record can cost you in terms of car insurance premiums? The severity of an accident influences insurance rates. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 4% per year in premiums. In Boston, drivers with a DUI need to spend nearly double the average for the city to insure their vehicle. Reckless driving will also push your premiums up, with typical rates of $2,932, which are 96% higher than the city average!


AVERAGE BOSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Mean Rate
DUI $2,963
Reckless Driving $2,932
At-fault Accident (damages less than $1,000) $2,424
At-fault Accident (damages greater than $2,000) $2,530
Speeding Ticket (16-20 mph over speed limit) $1,868


* Credit score is considered discriminatory in Massachusetts and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.


* Insurance premiums aren't affected by either gender or marital status in Boston.

What drives up car insurance rates in Boston?

Where you live in Boston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boston is no exception to the rule. From zip code 02467 to 02119, premiums rise by 47 percent—that’s $699.

Expensive Boston Zip Codes: 02126, 02125, 02121, 02120, 02119

Cheap Boston Zip Codes: 02467, 02108, 02217, 02222, 02196

Boston Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Boston, you can expect 126 rainy days with an annual rainfall of 43.8 inches. Boston is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

126

Rainy Days a Year

44"

Avg. Annual Rainfall

44"

Avg. Annual Snowfall

Be Prepared For

Driving in Beantown

Major Highways
I-90 I-93 I-495
Toll Roads
Massachusetts Turnpike
Popular Day Trips
Cape Cod Plum Island Mount Monadnock

Find Local Boston Agents

Paul Lymneos Insurance Agency,Inc.

4258 Washington Street Boston, MA 02131

Flynn Insurance Agency Inc

30 Park Street Boston, MA 02129

Knapp Schenck & Company Ins Agency, Inc.

One India Street Boston, MA 02109

Inland Underwriters Insurance Agency

One 13th St Boston, MA 02129

MassDrive Insurance Group

241 A Street Boston, MA 02210

See All

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$1,731

The average Bostonian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

277

That's equal to 277 cups of coffee or $692 in savings

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Boston Car Insurance

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